No annual account fees or minimums
There's no minimum to open and no account fees to open a Fidelity-managed 529 account.
Tax-smart savings
Any earnings grow federal income tax deferred, plus get tax-free withdrawals for qualified education expenses.
Flexible use of funds
Pay for college, trade school, and K–12 nationwide, including tuition, fees, and books.1
UNIQUE plan information
UNIQUE may be a great choice if you are a New Hampshire resident or if your or the beneficiary's state plan doesn't offer any 529 tax advantages or other benefits.
Account overall max:
$650,580 maximum balance per beneficiary2
Earnings:
Any earnings grow federal income tax deferred
Withdrawals:
Qualified withdrawals are free from both federal income tax and New Hampshire interest and dividends taxes
Plan performance and application:
Download the annual report (PDF)
Access the plan application & fact kit
The UNIQUE College Investing Plan received Morningstar's 2025 Bronze Rating.3
Read Morningstar's 529 industry report
Investing in your 529
When you open your 529 account, you’ll choose from among different investment portfolios. You can change the asset allocation twice each calendar year, or if you change the beneficiary of your 529 account.
The UNIQUE plan offers 3 types of portfolios: age-based, static, and individual. You can allocate money among these investment portfolios, in 5% increments that total 100%. Before you open your account, think about what you might want to invest in.
An age-based portfolio may be right for you if you want a professionally managed portfolio that adjusts the asset allocation based on your beneficiary’s age—shifting to more conservative investments as college gets closer.
Fidelity Funds are actively managed mutual funds that attempt to beat the market, for investors with higher risk tolerance. Fidelity Index Funds are low-cost index mutual funds that closely mirror the market, for investors with lower risk tolerance. Fidelity Blend Funds incorporate both, for investors with moderate risk tolerance.
View information on the portfolios’ short-term performance, or average annual total returns by month or by quarter. Please review the 529 plan Fact Kit (PDF) for more detailed information.
A static portfolio may be right for you if you want a diversified portfolio, with an asset allocation that stays constant over time. You'll get a combination of equity, fixed income, and short-term investments.
Fidelity Funds are actively managed mutual funds that attempt to beat the market, for investors with higher risk tolerance. Fidelity Index Funds are low-cost index mutual funds that closely mirror the market, for investors with lower risk tolerance.
NH Aggressive Growth Portfolio
Funds | Index
NH Moderate Growth Portfolio
Funds | Index
View information on the portfolios’ short-term performance, or average annual total returns by month or by quarter. Please review the 529 plan Fact Kit (PDF) for more detailed information.
Individual investing may be right for you if you want greater flexibility over your investment strategy. Each portfolio contains holdings all from one asset class, like equity, fixed income, short-term investments, and bank deposit options. You decide how to allocate your money in 5% increments.
View information on the portfolios’ short-term performance, or average annual total returns by month or by quarter. Please review the 529 plan Fact Kit (PDF) for more detailed information.
Saving a little over time can go a long way
Contributing more each month can potentially help reduce the amount of loans borrowed for education expenses.*5
Help grow your college savings in a 529
Put your savings on autopilot. Automatic contributions to your 529 account could help your money grow faster.
The gift of education. Your Fidelity gifting page lets friends and family easily contribute to your 529 account.
Learn
Explore the latest ways to save and pay for a child’s education with a 529 plan
Learn how a 529 can help you reach your educational savings goals at any stage of your journey.
529 plans: The tax-smart way to help save for college
The ABCs of 529 savings plans
Frequently asked questions
Should I open a 529 account offered by the state I live in, or another state?
You can open a 529 account offered by any state. Be sure to consider your own state’s plan as it may have additional benefits, including state tax advantages. No matter what state your child will attend school in, you can use a 529 account to pay for qualified education expenses at eligible institutions nationwide.
What if my child doesn’t go to college, or there’s money left in the 529 account after they graduate?
You have a few options. You can change the 529 account beneficiary to an eligible family member for their qualified education expenses. Or, you may be eligible to transfer assets from the 529 to a Roth IRA in the beneficiary’s name.6 Finally, you can take a non-qualified withdrawal. Only the portion of the non-qualified withdrawal attributed to investment earnings will be subject to federal and state income taxes, plus a 10% federal penalty.
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